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When refinancing an upside-down loan for a lower rate its important to search for the right loan terms. If you have reasonably good credit refinancing at a lower interest rate could be the right move.

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If you have less than 20 to put down on a home purchase lenders typically require you to pay for mortgage insurance.

. Take on a new loan. But by piggybacking a home equity loan or home equity line of credit onto your main mortgage and putting some money down you may be able to avoid PMI. Is your lender unwilling or unable to help you get above water on your current loan.

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